{"id":10087,"date":"2026-09-21T02:38:51","date_gmt":"2026-09-21T02:38:51","guid":{"rendered":"https:\/\/www.ibpo.com.my\/?p=10087"},"modified":"2026-09-21T02:43:20","modified_gmt":"2026-09-21T02:43:20","slug":"want-the-new-iphone-your-home-could-potentially-give-you-the-freedom-to-upgrade","status":"publish","type":"post","link":"https:\/\/www.ibpo.com.my\/bm\/want-the-new-iphone-your-home-could-potentially-give-you-the-freedom-to-upgrade\/","title":{"rendered":"Want the New iPhone? Your Home Could Potentially Give You the Freedom to Upgrade"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10087\" class=\"elementor elementor-10087\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6a0cd965 elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"6a0cd965\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4b27d7\" data-id=\"4b27d7\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-242ca847 xts-scheme-inherit xts-textalign-inherit elementor-widget elementor-widget-text-editor\" data-id=\"242ca847\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 23-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>[xts_html_block id=&#8221;3506&#8243;]<br \/>\t<div class=\"ibpo-articles xts-single-post-header\">\r\n\t\t<div class=\"xts-post-meta\">\r\n\t\t\t\t\t\t\t\t\t\t<div class=\"xts-post-categories\">\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<a  class=\"xts-post-category\" href=\"https:\/\/www.ibpo.com.my\/bm\/category\/articles\/\" rel=\"category tag\">\n\t\t\t\t\t\tArticles\t\t\t\t\t<\/a>\n\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"xts-post-date\">\n\t\t\t\t\t\t\t<time class=\"published\" datetime=\"2026-09-21T02:38:51+00:00\">\n\t\t\t\t\t21 September 2026\t\t\t\t<\/time>\n\t\t\t\t<time class=\"updated\" datetime=\"2026-09-21T02:43:20+00:00\">\n\t\t\t\t\t21 September 2026\t\t\t\t<\/time>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\r\n\r\n\r\n\t<\/div>\r\n\r\n\t\t\t<h1 class=\"ibpo-articles xts-post-title xts-entities-title\">\r\n\t\t\t\tWant the New iPhone? Your Home Could Potentially Give You the Freedom to Upgrade\t\t\t\t<\/h1>\r\n\t\t\r\n\r\n\r\n\t\r\n<\/p><p><span data-contrast=\"auto\">The latest iPhone is here!<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><span data-contrast=\"auto\">And if you&#8217;re already fancying that shiny new upgrade, you&#8217;re probably also thinking about the price tag.\u00a0<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><span data-contrast=\"auto\">But before you start cutting back on everything else, maxing out your credit card or joking about \u201cselling a kidney\u201d, here&#8217;s something you may not have considered:\u00a0<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">Your home could be one of the best options for you to get some cash in hand \u2013 without selling it!\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p>\u00a0<\/p><h3><b><span data-contrast=\"auto\">Your Home May Be Worth More Than When You First Bought It<\/span><\/b><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3><p><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><span data-contrast=\"auto\">If you&#8217;ve owned your home for at least 3 to 5 years, there&#8217;s a good chance its market value has changed. At the same time, you&#8217;ve been steadily paying down your home financing.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:279}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Together, these can build up something called <\/span><b><span data-contrast=\"auto\">home equity<\/span><\/b><span data-contrast=\"auto\">, which means the portion of your home&#8217;s current value that you own after deducting what you still owe on your home financing.<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-10091\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/09\/IBPO-article.png\" alt=\"\" width=\"1872\" height=\"1248\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/09\/IBPO-article.png 1872w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/09\/IBPO-article-300x200.png 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/09\/IBPO-article-1024x683.png 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/09\/IBPO-article-768x512.png 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/09\/IBPO-article-1536x1024.png 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/09\/IBPO-article-18x12.png 18w\" sizes=\"(max-width: 1872px) 100vw, 1872px\" \/><\/p><p><span data-contrast=\"auto\">As you pay down your home financing and your property potentially increases in value, your equity can grow.<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">For example:<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Original property value: RM400,000<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Current property value: RM550,000<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Outstanding home financing: RM300,000<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">RM550,000 \u2212 RM300,000 = RM250,000<\/span><\/b><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">That means you could potentially have RM250,000 in home equity. Of course, actual property value and available financing depend on factors such as your property&#8217;s current market value, outstanding financing, and eligibility.<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">But here&#8217;s what many homeowners don&#8217;t realise:<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">You don&#8217;t have to wait until your home is fully paid off to explore its value.<\/span><\/b><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><h3><b><span data-contrast=\"auto\">Your Home Could Help with More Than Just an iPhone<\/span><\/b><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3><p><span data-contrast=\"auto\">Instead of taking on another commitment just to get the latest iPhone, why not make the most of your home&#8217;s value and potentially enjoy more benefits along the way? This includes:\u00a0<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\ud83c\udfe0 Renovating or upgrading your home<\/span>\u00a0<br \/><span data-contrast=\"auto\">\ud83c\udf93 Funding education<\/span>\u00a0<br \/><span data-contrast=\"auto\">\ud83d\udcb3 Consolidating existing loans and credit cards <\/span>\u00a0<br \/><span data-contrast=\"auto\">\ud83d\udcb0 Getting cash in hand <\/span>\u00a0<br \/><span data-contrast=\"auto\">\ud83e\udd0d Religious obligations i.e umrah<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><b><span data-contrast=\"auto\">How? Join our <a href=\"https:\/\/financialmerdeka.ibpo.com.my\/\">Financial Merdeka i-Refinancing Campaign<\/a>\u00a0<\/span><\/b><\/p><p><a href=\"https:\/\/financialmerdeka.ibpo.com.my\/\"><img decoding=\"async\" class=\"alignnone size-full wp-image-9983\" src=\"http:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/08\/hero-desktop.JjQcHjNO.jpg\" alt=\"\" width=\"1920\" height=\"1080\" srcset=\"https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/08\/hero-desktop.JjQcHjNO.jpg 1920w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/08\/hero-desktop.JjQcHjNO-300x169.jpg 300w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/08\/hero-desktop.JjQcHjNO-1024x576.jpg 1024w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/08\/hero-desktop.JjQcHjNO-768x432.jpg 768w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/08\/hero-desktop.JjQcHjNO-1536x864.jpg 1536w, https:\/\/www.ibpo.com.my\/wp-content\/uploads\/2026\/08\/hero-desktop.JjQcHjNO-18x10.jpg 18w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><\/a><\/p><p><span data-contrast=\"auto\"><a href=\"https:\/\/financialmerdeka.ibpo.com.my\/\">Refinance your home today<\/a> and tap into your home&#8217;s value to potentially enjoy:<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\u2705 Up to RM50,000 cash rebates<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\u2705 Shorten your house loan tenure by up 10 years\u00a0<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\u2705 Reduce financial commitments by up to 70%<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">\u2705 Extra cash in hand for any of your personal use\u00a0<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><span style=\"font-size: 21px;\" data-contrast=\"auto\">\u2b50 <\/span><b style=\"font-size: 21px;\"><span data-contrast=\"auto\">Bonus<\/span><\/b><span style=\"font-size: 21px;\" data-contrast=\"auto\">:\u00a0<\/span><span style=\"font-size: 21px;\" data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Stand a chance to win a RM200 Touch &#8216;n Go Reload PIN with every successful i-Refinancing approval.<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-contrast=\"auto\">Hurry and sign up now! Campaign ends <strong>30<\/strong><\/span><strong>th<\/strong><span data-contrast=\"auto\"><strong> September<\/strong>.\u00a0<\/span><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p><p><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0\u00a0<\/span><\/p><h3><b><span data-contrast=\"auto\">The Freedom to Upgrade &amp; Update Your Life\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/h3><p><span data-contrast=\"auto\">\u00a0<\/span><span style=\"font-size: 21px;\" data-contrast=\"auto\">Your home can help you make a bigger impact on both your lifestyle and finances. With the freedom to do more, your next upgrade could go beyond just a new iPhone.\u00a0<\/span><span style=\"font-size: 21px;\" data-ccp-props=\"{&quot;134233118&quot;:false,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:0}\">\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a3ada20 elementor-section-boxed elementor-section-height-default elementor-section-height-default xts-section-disabled\" data-id=\"a3ada20\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aa88632\" data-id=\"aa88632\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>[xts_html_block id=&#8221;3506&#8243;] The latest iPhone is here!\u00a0 \u00a0And if you&#8217;re already fancying that shiny new upgrade, you&#8217;re probably also thinking about the price tag.\u00a0\u00a0 \u00a0But before you start cutting back on everything else, maxing out your credit card or joking about \u201cselling a kidney\u201d, here&#8217;s something you may not have considered:\u00a0\u00a0 Your home could be [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":10089,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Want the New iPhone? Your Home Could Potentially Give You the Freedom to Upgrade<\/title>\n<meta name=\"description\" content=\"Instead of taking on another commitment just to get the latest iPhone, why not make the most of your home&#039;s value and potentially enjoy more benefits along the way? Find out how.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ibpo.com.my\/bm\/want-the-new-iphone-your-home-could-potentially-give-you-the-freedom-to-upgrade\/\" \/>\n<meta property=\"og:locale\" content=\"ms_MY\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Want the New iPhone? 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